Acceptance

AuraIns.com (the "Website") is the property of American Union Risk Associates LLC ("AURA"). By using the Website, you (the "User") agree, without limitation or qualification, to be bound by, and to comply with, these Terms of Service and any other posted guidelines or rules applicable to the Website. All such guidelines and rules are hereby incorporated into the Terms of Service ("TOS").

Conditions and Restrictions on Use

Any and all use of the Website ("Products and Services") offered by AURA is subject to compliance with the TOS. You acknowledge and agree that AURA may terminate your access to the Products and Services of the Website should you fail to comply with the TOS or any other guidelines and rules published by AURA. Any such termination shall be in AURA's sole discretion and may occur without prior notice, or any notice. AURA further reserves the right to terminate the User's access to the Website or to any of the Products and Services for any conduct that AURA, in its sole discretion, believes is or may be directly or indirectly harmful to other users, to AURA, its subsidiaries, affiliates, business contractors, or to other third parties, or for any conduct that violates any local, state, federal, or foreign laws or regulations. AURA further reserves the right to terminate the User's access to the Website or to any of the Products and Services for any reason or for no reason at all, in AURA's sole discretion, without prior notice, or any notice. Enforcement of any penalties or restrictions stated in this TOS occurs at the sole discretion of AURA and a lack of notice of the violation or penalty for the violation of the TOS shall not be construed as an acceptance on the part of AURA of the violation or an expectation that the violation by the User shall not result in penalties in the future.

Registration and Privacy

Certain Products and Services will require the User to provide certain data to AURA. In consideration of use of such Products and Services, the User represents and warrants that the information about the User is true, accurate, current, and complete as required by various forms.

Prohibited Conduct

The User agrees that he or she will not use the Website to:

Employ misleading e-mail addresses or falsify information in the header, footer, return path, or any part of any communication, including e-mails or posts, transmitted through the Products and Services.

Impersonate any person or entity, including, but not limited to, an AURA official, employee, falsely state or otherwise misrepresent your affiliation with a person or entity.

Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display or in any way exploit any content from the Website, including, without limitation, by incorporating data from the Website into any e-mail or "white pages" products or services, whether browser-based, based on proprietary client-side applications, web-based, or otherwise.

Interfere with or disrupt the Products and Services, or servers or networks connected to the Products and Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Products and Services.

Access the Products and Services after your account or access has been terminated by AURA.

Penalties

AURA reserves the right to limit or terminate the User's access to the Website and any Products and Services for violation of the TOS or for no reason at all. In the case of a TOS violation by the User, AURA reserves the right to cancel any Products or Services currently provided to the User without compensation of any kind.

Advertisers and Content Linked to the Website

The Website may provide, or third parties may provide, links to other sites or resources located on the World Wide Web by allowing a user to leave the Website to access third-party material or by bringing the third party material into this site via "inverse" hyperlinks and framing technology ("Ads"). AURA has no control over such sites and resources. The User acknowledges and agrees that AURA is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. The User further acknowledges and agrees that AURA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

The User's correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Website's Products and Services, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between the User and such advertiser. The User agrees that AURA shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Product and Services.

Data Security

The Website has in place what AURA believes to be reasonable physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information AURA collects online.

In general, while reasonable efforts are made to ensure the confidentiality of the User's private and personal information, AURA cannot warrant and does not guarantee the absolute safety and security of confidential data on the Internet.

No License; Intellectual Property of AURA and Others

Except as expressly provided, nothing within any of the Products and Services shall be construed as conferring any license under any of AURA's or any third party's intellectual property rights, whether by estoppel, implication, waiver, or otherwise, to the User of this Website. Without limiting the generality of the foregoing, the User acknowledges and agrees that certain content available through and used to operate the Website and the Products and Services is protected by copyright, trademark, patent, or other proprietary rights of AURA and its affiliates, licensors, and service providers. Except as expressly provided to the contrary, the User agrees not to modify, alter, or deface any of the trademarks, service marks, or other intellectual property made available by AURA in connection with the Products and Services. The User agrees not to represent himself or herself as in any way sponsored by, affiliated with, or endorsed by AURA, its affiliates, or any of its service providers. The User agrees not to use any of the trademarks or service marks or other content accessible through the Website for any purpose other than the purpose for which such content is made available to users by AURA. The User agrees not to defame or disparage AURA, its trademarks or service marks, or any aspect of the Products and Services. The User agrees not to adapt, translate, modify, decompile, disassemble, or reverse engineer the Products and Services or any software or programs used in connection with the Products and Services of the Website.

Risk

AURA does not endorse or guarantee the accuracy of any content. Before acting on any information the User may find via the Website, the User should independently confirm any facts important to the User's decision. IF THE USER RELIES ON ANY INFORMATION OR SERVICE AVAILABLE THROUGH THE WEBSITE, HE OR SHE EXPRESSLY AGREES THAT IT IS DONE SO SOLELY AT HIS OR HER OWN RISK. THE USER UNDERSTANDS THAT HE OR SHE IS SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS WHICH MAY BE INCURRED FROM USE OF ANY SERVICE OR ANY INFORMATION, DATA OR MATERIALS DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THE WEBSITE.

Disclaimer of Warranties; Limitation of Liability

The User understands that there may be delays, omissions, interruptions, inaccuracies, and/or other problems with the information, products, and services published on or promoted over the Website, including information, products and services referred to, advertised or promoted on or sold through the Website. The Website's content is provided by AURA on an "as is" basis without warranties of any kind, either express or implied. Neither AURA, nor any of its parents, affiliates or licensees warrant that the Website will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the Website, or as to the accuracy, reliability or completeness of content or any information, service, or merchandise provided through the Website.

Indemnity and Release

By using the Website, the User agrees to indemnify AURA and its parents, subsidiaries, affiliates, officers, employees, licensors, and service providers and hold them harmless from any and all claims and expenses, including attorney's fees, arising from use of the Website, its Products and Services, or the User's submission of ideas and/or related materials to AURA or from any person's use of any account or password maintained with any portion of AURA, regardless of whether such use is authorized by the User. By using the Website, using the Products and Services, or submitting any ideas and/or related materials to AURA, the User hereby agrees to release AURA and its parents, subsidiaries, affiliates, officers, employees, licensors, and service providers from any and all claims, demands, debts, obligations, damages (actual or consequential), costs, and expenses of any kind or nature whatsoever, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, that the User may have against them arising out of or in any way related to such disputes and/or to the Products and Services or to any disputes regarding use of ideas and/or related materials submitted to AURA.

Severability

Should any portion of the TOS be found to be unlawful or unenforceable by a court of competent jurisdiction, it shall be considered deleted, though the intention of it shall be enforced to the fullest extent allowed, and the remainder of the TOS shall be unaffected and continue in full force.

Remedies and Jurisdiction

The User agrees that any claims concerning his or her rights in accordance with the TOS or any other issues arising with use of the Website and this TOS shall be brought to the jurisdiction of the New Jersey Supreme Court or the United States District Court for the District of New Jersey. Such courts shall have exclusive jurisdiction over litigation involving any such claims. The User further agrees to submit to the jurisdiction of such courts and that he or she will not raise lack of personal jurisdiction or inconvenient forum as defenses in any such litigation.

Questions

Further questions not addressed in the above policy can be directed to info@aurains.com. Regardless of any communication between the User and the Website staff or AURA, the User's agreement to the TOS remains in full force throughout the use of the Website.

Changes to the TOS

AURA reserves the right to change the TOS, including the Privacy Policy, from time to time, as is deemed appropriate. Such changes, modifications, additions or deletions shall be effective immediately upon posting, unless otherwise indicated. AURA has no duty or obligation to inform the User that changes have been made, regardless of the scope and importance of the changes. AURA encourages the User to periodically check back and review the policies which apply to use of the Website found in the TOS. The User's continued use of our Website after such changes are posted will be deemed to constitute an agreement to and acceptance of such changes. AURA may change, restrict access to, suspend, or discontinue all or any portion of the content or Products and Services, at any time.